YOUR MENTAL WEALTH

The Banking Stack for DeFi.

MELD is the first DeFi, non-custodial, banking protocol. You can securely lend & borrow both crypto and fiat currencies with ease and stake your MELD tokens for APY.

Download the Whitepaper

Why MELD?

Cash Loans

Get an instant loan against your cryptocurrency holdings at a competitive APR or get a credit line and only pay interest on what you use.

Protect Crypto Holdings

Dont let today's small expenses erode your crypto investments. Leverage the value of your crypto to borrow cash when you need it.

Built on Cardano

The MELD protocol is built on the Cardano blockchain, a next generation blockchain delivering fast, safe and cost effective infrastructure for a new generation of DeFi.

Decentralized and Trustless

A world-class DeFi protocol, MELD uses smart contracts to ensure complete transparency and fairness for all parties.

Borderless and Democratic

Economic and political changes can’t alter MELD’s smart contracts. Our DeFi protocol is safe from changing laws or unexpected events.

Stable Yield Earnings

Let your crypto work for you. Earn yields from our staking pools as well rewards in the MELD token.

01

MELDing Crypto + Traditional Currency

Enjoy the benefits of high-return cryptocurrency investments and the liquidity of fiat currencies. MELD lets you retain full ownership of your crypto assets with an instant liquidity framework.

02

Stay Long +
Get Cash

Leverage your crypto holdings for the cash and credit you need. MELD lets you easily borrow fiat against your crypto holdings without having to sell your crypto assets.

03

Get a Loan +
Keep Your Keys

Use your crypto holdings as collateral to secure low interest loans in fiat without losing your private keys. With MELD you can leverage your cryptocurrency to borrow the cash you need today, while still maintaining full control of your crypto portfolio for future value.

04

Modular +
Money

Composability is key to the MELD protocol and our goal of being a first class citizen in the DeFi ecosystem. Each of the core functions in the MELD protocol will be interoperable with other services such as AMMs, LPs, Insurance and all the rest of the financial tools available.

How it works

Take out a loan

Using the MELDapp, choose how much cash you’d like to borrow. Add your crypto as collateral (2x the amount you’d like to borrow) and lock it into a MELD smart contract.

Get your cash

Once the smart contract is in place, your loan is electronically transferred to your bank account anywhere in the world.

Earn yield on your crypto

Your crypto collateral is added to MELD’s liquidity pools to generate yield and work for you for the entire lifespan of the loan.

Pay back the loan

Make monthly payments to pay back the interest and principal of your loan. Once the loan is paid off, your collateral is released to you.

Earn all the time

Regardless if you are borrowing, lending, staking or Hodling you are always earning yield from the crypto in your MELDapp.

MELD Roadmap

2021

2022

Q2

  • MELD Launch
  • Initial Stake Pool Offering starts
  • Token Private Sale
  • Launch of Marketing Initiatives
  • Partner Program Launch

Q3

  • MELD Ambassador Program
  • mFiat
  • Liquidation system
  • Complete the first PoC for lending & borrowing
  • UTXO research on economics models and concurrency
  • Formalize MELD protocol

Q4

  • MELD protocol launch — MELD token officially launches
  • MELD Staking
  • ADAmatic Bridge 1.0
  • MELDapp v1.0
  • MELD Gold Stable Coin
  • $MELD on 2 centralized exchanges

2022

  • MELD Lending/Borrowing
  • MELD Vaults
  • MELD Chainlink Oracle
  • MELD Fiat Credit Line
  • Tingo/MELD Mobile App
Under Development
Completed
Planned

MELD Roadmap

2021

Q2

  • MELD Launch
  • Initial Stake Pool Offering Launch
  • Token Private Sale
  • Launch of Marketing Initiatives
  • Partner Program Launch

Q3

  • MELD Ambassador Program
  • Liquidation System
  • Complete the first PoC for lending & borrowing
  • UTXO research on economics models & concurrency
  • Formalize MELD protocol

Q4

  • MELD Protocol Audit
  • MELDapp Audit
  • Initial Stake Pool Offering Close

2022

Q1

  • MELD Token Launch
  • MELD ISPO Airdrop
  • MELD Vesting & Locked Staking
  • MELDapp 1.0
  • MELD on Exchanges (BiTrue, FMFW, Cardano DEXes like MuesliSwap, SundaeSwap, MinSwap, and more)
  • ADAmatic Bridge Testnet & Audit

Q2

  • Akamon white papers
  • Akamon Alpha Testnet
  • MELDapp 2.0 with Akamon integration

Q3

  • Akamon Beta Testnet

Q4

  • Bank Managers Launch
  • MELD Shop
  • (Draft) Meld API
  • Onboarding Akamon Node Operators
  • MELD Association Established

2023

Q1

  • MELDapp Launch & DeFi Wallet
  • Tier-1 Exchange Listing
  • MELD DAO
  • Cardano: Pool-Based Lending/Borrowing Protocol Testnet Launch
  • Akamon Audit
  • MELD Neobank [Prev. MELD Finance] Concept Document
  • ADAmatic Bridge Testnet & Audit

Q2

  • Cardano: Pool-Based Lending/Borrowing Protocol Mainnet Launch
  • Multi-Chain: Pool-Based Lending/Borrowing Protocol Testnet
  • Akamon Mainnet

Conditional Milestones

  • mGLD Token + Airdrop*
  • C2F Lending/Borrowing Protocol Launch**
  • MELD Neobank AKA: MELD Finance - App & Debit Cards**
Under Development
Completed
Planned
*
Subject to delivery of physical gold to vault
**
Subject to regulatory licenses and approval

MELD Team

LinkedIn

Ken Olling

CEO

Ken is a serial entrepreneur working in the space between technology design and data, building new products to solve some of the biggest problems in the industry. With more than 20-years of experience in digital transformation, Ken has a proven track record of delivering innovative products and consumer experiences for companies around the globe, ranging from startups to Fortune 500. His past and present clients include Eltek, GE, HP, Harrods, Hydro, Toyota, Sony, Audi, Telenor, Total, Statoil, Visa and Ubisoft.

LinkedIn

Hai Nguyen Quang

CTO

Hai is a focused and driven entrepreneur, system architect, and blockchain engineer. His passion lies in decentralized systems and Blockchain specifically, functional programming & AI engineering. He started his career in C++ doing game development which quickly evolved into AI development. During the last 4 years, he’s focused entirely on developing trustless decentralized systems in Blockchain. Hai lives and works out of Hanoi, Vietnam.

LinkedIn

Patrick Ramsauer

CFO

Patrick has a long experience in banking and has started a large equity hedge fund in Switzerland. He brings his experience in data science, where he focused on improving banking compliance processes and strategies in AML and KYC, to MELD. Outside his role at MELD, he is CFO in a data and knowledge integration company.

LinkedIn

Andrew Klein

CMO

Andrew has more than 12 years of experience in Digital Marketing with five of those in Crypto Marketing working as the CMO of MELD and previously the Director of Marketing for Bitpay and Nervos. As well as this, he has done consulting for projects on all of the major blockchains such as Ethereum, Solana, Polkadot and now Cardano.

LinkedIn

Duc Nguyen Anh

Project Manager

LinkedIn

Trung Tran Kien

Quantitative Researcher

LinkedIn

Stuart Hollinger

Marketing Manager

Studying at the University of Guelph, Stuart earned a Master's degree in Philosophy and a Minor in Psychology. After that, he self-taught himself C++, Java, and Python, and then worked as a Mechatronics Engineer for a few years. 2 years ago Stuart retired from Mechatronics Engineering and dove full-time into crypto as a writer and social media expert. He has written 2 books, started multiple companies, and is fully self-sufficient through DeFi protocols.

LinkedIn

Marin Pranjic

Technical Lead

LinkedIn

Thuy Vu Thi Thuy

Blockchain Engineer

Thuy is an accomplished software engineer with a passion for blockchain technologies. With in-depth experience in both functional programming and software engineering, Thuy has contributed to projects at Kikai, Septeni Technology, and RevoTech. She holds a degree in information technology from Vietnam National University.

LinkedIn

Dong Nguyen Thi Phuong

Blockchain Engineer

Dong is an innovative software engineer who specializes in blockchain technologies and functional programming (specifically in code refactoring) and has a passion to learn about everything related to technology, mathematics, and logic. She received her degree in Computer Science from Vietnam National University and has more than three-years of experience working in a variety of technology fields. Currently, she focuses on Blockchain and functional programming.

LinkedIn

An Le Mai

Blockchain Engineer

An is a skilled blockchain software developer, focusing on both mobile and web apps. She has contributed to a wide range of projects at tech companies as well as university research labs and is enthusiastic about exploring technology and the logic it represents. She has experience in different fields of programming and development and holds a degree in Computer Science from Vietnam National University. Working as a blockchain engineer, she strives for a continual deeper knowledge in function programming.

LinkedIn

Matej Bilić

Senior Graphic Designer

The major focus for Matej is the MELDapp, designing certain elements within the app such as styling, positioning, and location of certain widgets users will be interacting with. Matej has a focus on UI/UX aspects of design and is constantly pushing his knowledge in the technological side of design to understand more advanced UI/UX functionalities.

LinkedIn

Dai Truong Ngoc

Senior Blockchain Engineer

LinkedIn

Thanh Vuong Hai

Blockchain Engineer

LinkedIn

Dat Duong Thanh

Senior Blockchain Engineer

LinkedIn

Tuan Tran Quoc

Quantitative Researcher

LinkedIn

Sasha Bogicevic

Senior Blockchain Engineer

LinkedIn

Lawrence Ong

Operations Director

LinkedIn

Karlo Novak

Senior Back-End Engineer

LinkedIn

Ivo Kosir

Senior Software Engineer

LinkedIn

Matthew Nash

Governance & Community

LinkedIn

Tam Nguyen Hung

Quantitative Researcher

LinkedIn

Youssef Srondy

Partnerships

LinkedIn

Mehul Odedra

Analyst

LinkedIn

Trym Bruset

Product Manager

LinkedIn

Hrvoje Kasabašić

Senior Frontend Developer

LinkedIn

Kien Nguyen

Blockchain Developer

LinkedIn

Charlie Roberstad

Social Media Specialist

LinkedIn

Christiaan Steenkamp

Executive Assistant

LinkedIn

Christophoor Ram

Marketing Operations Manager

LinkedIn

Ha Ta Hong

Projects Manager

LinkedIn

Tomislav Marčinković

Senior DevOps Engineer

LinkedIn

Mario Ćaleta

Senior Frontend Engineer

Advisors

LinkedIn

Amit Pradhan

Strategy

A seasoned startup founder, investor and speaker, Amit creates, evangelizes, and invests in the future of responsible AI and decentralization. Amit serves as the co-founder and president of the Silicon Valley Blockchain Society (SVBS), the executive chairman at Zero.AI and Rainfall, and an investor at JetVentures, a cross-stage international fund.

LinkedIn

Binh Nguyen

Technology

Binh is the Head/VP of Engineering and a member of the founding team at Anduin Transactions. Before Anduin, Binh worked as a Software Engineer at Palantir Technologies for three years. Earlier in his career that spans 15-years, he worked on game and graphics engine development as well as networking and physical simulation. Binh holds a PhD degree at Rensselaer Polytechnic Institute on Computer Science and Robotics.

LinkedIn

James Bowater

Partnerships

Outside of his advisory role at MELD, James is the Founder & Editor-at-large of Crypto AM, the Founder of London Blockchain Forum, the Global Ambassador for World Mobile, Advisor to Boson Protocol, Advisor to Cudos, Advisor to Fintech Legal Labs, Advisor and Global Ambassador for BEQUANT and Advisor to Sheesha.Finance.

LinkedIn

Christian Katz

Finance

Christian comes from 20+ years of experience within the banking & financial services sectors exercising roles as Vice President at J.P. Morgan, Managing Director at Goldman Sachs, CEO at the SIX Swiss Exchange and is a board member with multiple firms. Christian brings an array of critical insight and knowledge to MELD in conjunction with financial institutions and blockchain in cross-border markets. Christian enhances our reach to banking institutions allowing us to partner off with a greater array of fiat liquidity providers, further supporting the MELD protocol.

LinkedIn

Bruno Kocher

Technology

Bruno has a background in engineering, software development and data science. He has extensive experience in various business and technology areas such as data-driven innovation, digital twins, portfolio and skills development. He brings in a unique interdisciplinary blend of innovation, technology, industry and business acumen to MELD. Outside of MELD, he is the CSO at SEKAI, a company which is revolutionising the world of data.

LinkedIn

Ali Rod Khadem

Business Development

Ali Rod has experience as a startup advisor, lawyer, investment banker, and professor/author. He held senior roles at Macquarie Group and Westport Innovations, and began his career at Idealab and DLA Piper. He holds a PhD from Harvard University and a JD from UC Berkeley. He’s lived in 8 countries and 4 continents, and has knowledge of 5 languages. He’s been responsible for project portfolios in multiple sectors across the Middle East, Asia, Africa, and Australia. Much of his experience involves international strategy and negotiations, especially in scenarios involving cultural or political sensitivities, as well as niche transactions such as Islamic finance and China related M&A.

LinkedIn

Lavinia Radu

Legal

LinkedIn

Nguyen Anh Quynh

Technology

Partners

Polygon Technology
Vent Finance
World Mobile
Occam
Netvrk
SundaeSwap
Matrixswap
Sheesha Finance
Kampay
Nervos
Enegra
IAMX
Maladex

MELD with us.

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